Independent advice on private healthcare
What do they normally cover?
- Advantages and drawbacks
- How much do they cost?
- Frequently asked questions
- How much does a funeral cost?
- What is the Funeral Planning Authority?
- Can I get any government assistance with funeral costs?
- How do they work?
- Why you may need a funeral plan
- Protecting your money
- Questions to ask the plan provider
- Top tips
- Types of plan
- What is a funeral plan?
- What is not covered?
- Which plan is right for me?
- Who are funeral plans for?
- Who can buy a plan?
- Who can sell funeral plans?
There are numerous individual funeral plans. Each plan is designed to meet different needs and contains the arrangements you would expect in a funeral.
Some can also be personalised by including special requests, perhaps a favourite hymn or piece of music.
Some are designed mainly for cremations, while others pay the full cost of a cremation or burial.
If you want an unusual funeral such as woodland burial, burial at sea or a horse drawn hearse, check with the plan provider if this is possible - before paying them any money.
Life policies only cover a contribution towards costs, not the full cost.
Life insurance differs from a funeral plan, as it pays a sum to your relatives upon your death, rather than pay your funeral director directly, to cover the cost of your funeral.
Most basic pre-paid funeral plans will include:
- The cost of a burial or cremation service
- A simple coffin, lined and fitted with basic materials
- Care of the deceased and embalming (preservation of the body prior to the funeral, should close friends and relatives wish to visit)
- Transport of the deceased from their place of death to a place of rest
- A hearse (the car in which the coffin is transported)
- Management of cards, flowers or donations on behalf of the family